This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Bakersfield, CA
Health score
57.8
Total assets
$12.4M
Credit union
CONCORD, CA
Health score
70.6
Total assets
$14.3M
Answer first
ESPEECO leads on profitability; UNITED ASSOCIATION leads on financial health and capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
UNITED ASSOCIATION
Higher TFS health score
Capitalization
UNITED ASSOCIATION
Higher comparable capital ratio
Profitability
ESPEECO
Higher return on assets
Lending quality
UNITED ASSOCIATION
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | ESPEECO | UNITED ASSOCIATION |
|---|---|---|
| TFS health score | 57.8/100 | 70.6/100Leads |
| Total assets | $12.4M | $14.3M |
| Total deposits / shares | $11.6M | $11.9M |
| Net worth ratio | 7.50% | 16.93%Leads |
| Return on assets | 1.01%Leads | -1.15% |
| Return on equity | 13.46%Leads |
ESPEECO
3 branches
UNITED ASSOCIATION
2 branches
Both institutions report branches in 1 state: CA.
ESPEECO
Unavailable
UNITED ASSOCIATION
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
ESPEECO
0 in TFS registry
UNITED ASSOCIATION
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
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Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| -6.80% |
| 60+ day delinquency | 1.33% | 0.16%Leads |
| Net charge-offs | -2.97%Leads | 0.08% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 52.80% | 60.62% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 3 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |